| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD, STE 800 MANOR OAK TWO PITTSBURGH, PA 15220 | SUN LIFE ASSURANCE COMPANY OF CANADA | $791 | — | $791 | 6.34% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC | $497 | — | $497 | 3.99% |
| ANDREW F RODGERS INS AGCY INC3 Filed as: ANDREW RODGER INSURANCE AGENCY | 651 HOLIDAY DR. FOSTER PLZ V PITTSBURGH, PA 15220 | NATIONWIDE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.66% |
| ROGERS BENEFIT GROUP INC3 Filed as: ANDREW ROGERS INSURANCE AGENCY | 651 HOLIDAY DRIVE, FOSTER PLZ V PITTSBURGH, PA 15220 | NATIONWIDE LIFE INSURANCE COMPANY | $286 | — | $286 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIBERTY FINANCIAL SVCS INC | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1910 COCHRAN RD, ATE 800 PITTSBURGH, PA 15220 | $21K |
| LIBERTY INSURANCE AGENCY INC | Insurance agents and brokers Service code 22 | 1910 COCHRAN ROAD STE 800 PITTSBURGH, PA 15220 | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 176 | $740K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 90 | $24K |
| Vision | HIGHMARK INC | 169 | $12K |
| Life insurance(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 0 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.